Speaker: Erin Butler

Who’s Paying the Bill? Understanding Funding Models for Health Plans

Healthcare costs continue to rise—but do leaders really know who is paying for what inside their health plan? In this dynamic and eye-opening session, Erin Butler breaks down the true financial engine behind employer-sponsored healthcare and reveals how different funding models—fully insured, level-funded, self-funded, and captive-based—shift risk, reward, and control.

Attendees will learn how money actually moves through a health plan, why premiums behave the way they do, and what drives year-over-year increases. Erin will translate complex insurance mechanics into clear, practical concepts that empower HR teams to make smarter decisions, identify cost-saving opportunities, and advocate confidently within their organizations.

Whether your company is exploring new funding strategies or simply wants more transparency in a confusing system, this session will give you the clarity, confidence, and actionable insight to understand who’s really paying the bill—and how to regain control of it.

Speaker Bio:

Erin Butler serves as a Captive Strategy Executive at BevCap Management, where she helps employers transition to transparent, financially sustainable self-funded health plans. She leads growth and strategy for the Allied Health Captive and works closely with HR teams to reduce volatility, enhance benefits, and leverage data for smarter decision-making. Erin is recognized for her clear, practical approach to simplifying healthcare for organizational leaders through her historical work as a CEO of hospitals, surgery centers, and medical practices. Her passion is to see better healthcare options for employers and their employees